The FDIC today issued its monthly list of state nonmember
banks recently evaluated for compliance with the Community
Reinvestment Act (CRA). The list covers the month of March
1995.

The CRA is a 1977 law intended to encourage insured banks and
thrifts to meet local credit needs, including those of low- and
moderate-income neighborhoods, consistent with safe and sound
operations. In 1989, as part of the Financial Institutions Reform,
Recovery, and Enforcement Act (FIRREA), Congress mandated the
public disclosure of an evaluation and rating for each bank or
thrift that undergoes a CRA examination on or after July 1, 1990.

A consolidated list of all state nonmember banks whose
evaluations have been made publicly available since July 1, 1990,
including the rating for each bank, can be obtained from the FDIC's
Office of Corporate Communications at 550 Seventeenth Street, N.W.
Washington, D.C. 20429.

A copy of an individual bank's CRA evaluation is available
directly from the bank, which is required by law to make the
material available upon request, or from the FDIC's Office of
Corporate Communications at the address above.